one, you had the impact of hurricane sandy where the markets were closed for a couple of days. we saw average daily revenue in the business drop from about 1.2 to about $1.1 million, which is still within our range of expected outcomes. and it tends to be a very profitable level for us. so it drifted down a little bit. you had in terms of the way the fourth quarter usually plays out, you were short a couple of business days. but we expect that business to be pretty stable. we don't think interest rates are going to change an awful lot in 2013. our client base, particularly the financial institution client base still has a lot of cash to be invested. we think we've got good coverage of that marketplace. and we think we'll do very well in 2013. >> you brought back a huge amount of stock. a huge amount. so that is -- you're trying to figure out your capital allocation. i'm sure someone will say, listen, we've got to save it for a rainy day. and you chose to buy it all in. how do you feel about given the fact that people were somewhat negative today about the stock? >> well, i thin